EFX

Equifax, Inc.Industrials / Consulting ServicesINTACT

Equifax Inc. operates as a data, analytics, and technology company. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment offers services that enables customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure, and sanctions of people in the United States; and employer customers with services that that assist them in complying with and automating certain payroll-related and human resource management processes throughout the entire cycle of the employment relationship. The U.S. Information Solutions segment provides consumer and commercial information services, such as credit information and credit scoring, credit modeling and portfolio analytics, locate, fraud detection and prevention, identity verification, and other consulting services; mortgage services; financial marketing services; identity management services; and credit monitoring products. The International segment offers information service products, which include consumer and commercial services comprising credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as information, technology, and services to support debt collections and recovery management. The company also provides information solutions for businesses, governments and consumers; and human resources business process automation and outsourcing services for employers. It operates in Argentina, Australia, Brazil, Canada, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, India, Ireland, Mexico, New Zealand, Paraguay, Peru, Portugal, Spain, the United Kingdom, Uruguay, and the United States. The company was founded in 1899 and is headquartered in Atlanta, Georgia.

Share Price
$169.00
52W: $150.75 - $271.84
DCF Fair Value
$131.46
-28.6% Premium
P/E (TTM)
29.6x
ROIC
13%
Operating Margin
17.3%
FCF Yield
4.8%
Debt / Equity
1.21x
Piotroski Score
7/9
Altman Z-Score
3.47
Market Cap
$19.9B

Price vs. Intrinsic Value Corridor

Overvalued vs DCF ($131.46)

Historical market price overlaid against conservative DCF Fair Value & Benjamin Graham Margin of Safety bands.

Period Return (1Y)
()
Period Range
$ - $
DCF Fair Value
$131.46
MOS Buy Target (-25%)
$98.60
Valuation Overlays:

2-Stage Discounted Cash Flow (DCF) Workbench

Conservative intrinsic value model based on owner cash generation over a 10-year investment horizon. Opens with LocalAlpha's baseline assumptions (matching the fair value shown above) — adjust any input to stress-test.

Current Market Price
$169.00
DCF Fair Value
$132.22
-27.8% Premium
$948M
$100M$948M (Reported)$50,000M
8.7%
-5%10% (Target)35%
4.5%
0%5%20%
9.0%
6%9% (Standard)15% (High Risk)
2.5%
1% (GDP Floor)2.5% (Inflation)4.0%
$5,300M
-$100B CashBalance Sheet+$150B Debt
10-Yr PV of Cash Flows
$8.8B
PV of Terminal Value
$11.9B
Implied Enterprise Value
$20.8B
Implied Equity Value
$15.5B
YearYr 1Yr 2Yr 3Yr 4Yr 5Yr 6Yr 7Yr 8Yr 9Yr 10
Projected FCF ($M)$1,030$1,120$1,218$1,324$1,439$1,503$1,571$1,642$1,716$1,793
Present Value (PV)$945$943$940$938$935$896$859$824$790$757

Benjamin Graham & Buffett Value Models

Classical deep value metrics based on asset backing, normalized earnings power, and owner cash yield.

Graham Number-144.5% Premium
$69.12

Calculated as √(22.5 × EPS × BVPS). The maximum theoretical price a defensive investor should pay based purely on asset book value and current earnings.

EPS: $5.70BVPS: $37.25
Revised Graham Formula-50.4% Premium
$112.34

Formula: V = (EPS × (8.5 + 2g) × 4.4) / Y where g is the conservative 7-10 yr growth rate and Y is AAA Bond Yield.

Buffett Owner Earnings4.6% Yield
$7.70 / share

True distributable cash flow: Net Income + D&A - Maintenance CapEx. Reflects the cash Buffett would extract without hurting unit volume.

Total: $0.9BYield: 4.6%

Reverse DCF: Market Growth Expectation

MODEST BARRIER
6.2% CAGR (Next 10 Yrs)

At the current price of $169.00, the market is assuming the business will compound Free Cash Flow at 6.2% per year for the next decade with a 9% hurdle rate.

Value Investor Verdict
✓ Low market hurdle: Easy for a wide-moat compounder to beat.
Autonomous Thesis Underwriting

Surveil EFX with Mathematical Margin of Safety Rules

Set non-negotiable floor rules for Equifax, Inc.. If a newly filed quarterly 10-Q breaks your ROIC floor, operating margin boundary, or balance sheet leverage rules, receive an autonomous breach audit within 15 minutes.

Buffett Quality

ROIC > 15% • Margin > 15% • D/E < 0.5x

Margin Floor Guard

Current Margin 17.3% • Floor > 10%

Solvency Guard

Altman-Z > 2.6 • Current Ratio > 1.5x

Frequently Asked Questions: Equifax, Inc. (EFX) Intrinsic Valuation

Audited fundamentals, DCF intrinsic value sensitivity, and thesis break detection parameters for Equifax, Inc..

Based on institutional multi-stage Discounted Cash Flow (DCF) modeling on audited SEC cash flows, Equifax, Inc. has an estimated DCF intrinsic fair value of $131.46 per share compared to its current market price of $169.00. This represents an estimated 28.6% premium over fair value. Additionally, its classic Benjamin Graham Number stands at $69.12.

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